Paying too much for your insurance?
Reviewed on    16 January 2012
dMAC WorldCare Affinity Group

   Maternity Benefits

surprised baby       12 month waiting period

   •   Normal Pregnancy and Childbirth

   •   Complications in Pregnancy during the Anti-natal period and Childbirth

   •   Birth defects and Congenital Abnormalities including birth trauma, provided that such becomes apparent in the first 6 months from birth

   •   10% Co-Payment applies to Maternity
girl in pink







   •   Parental Accommodation in a Hospital or Nursing Home, when it is medically necessary for parent (being an Insured Person) to accompany an Insured Person, being a child under the age of 18 who has been admitted to Hospital

   •   Physiotherapy, Alternative Medicine Medical Treatment provided by a qualified chiropractor, homeopath, osteopath, acupuncturist or Chinese Medicine Physician, including homeopathic or Chinese herbal prescribed medicines

   •   Chronic Medical Conditions

   •   Terminal Illness Palliative Treatment and Hospice care on diagnosis of a Terminal condition

   •   Psychiatric treatment jig saw face This benefit is available after 12 months continuous cover under the policy

   •   HIV / AIDS available after 60 months cover

   •   Organ Transplants Heart, Kidney, Liver or Heart and Lung, in respect of the Insured person being the recipient

   •   Lifetime Cover maximum joining age is 74 years


ISOS logo    International SOS
   Emergency Medical Evacuation


Globe with SE Asia    •   Available for Local Nationals and Expatriates

   •   Transfer from your existing policy at no worse conditions (No new pre-existing's)

   •   Claims paid in Jakarta in girl in golden grass 7 working days

   •   Home Nursing

   •   Road Ambulance

   •   Repatriation of Mortal Remains

   •   Elective Home Country Treatment after prior authorisation has been obtained

   •   Compassionate Emergency Visit to Home Country if an immediate family member dies or is hospitalised with a life threatening illness

   •   Employee Replacement In the event of the death or repatriation to the Home Country of an Insured Person as a result of an eligible claim under this policy, the Insurer will pay the cost of an economy class airline ticket to transport a replacement employee to the Country of Residence

WorldCare card                     WorldCare Affinity Group Card

Global Benefits Group logo Global Benefits Group is the largest independent, fully integrated provider of international benefits in the world. In 2010 GBG celebrated its 30th year of serving the needs of expatriates, third country nationals and local nationals

Rama logoPT Asuransi Rama Sitria Wibawa has been authorised by the Indonesian Ministry of Finance to Underwrite this Group Health Insurance policy


dMAC Designed Insurance logoPT Daya MACro Dinamika
Design and Marketing

dMAC acts as the marketing services agent for PT Asuransi Rama Sitria Wibawa